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Mark Wanted A Consolidation Loan For $33000, Muncy, Pennsylvania

$33000 Consolidation Loan – Muncy Pennsylvania, Credit Rating Of 529

  • Experian: 541 – This individual had a fair Experian rating
  • Transunion: 510 – Mark had a fair credit score with Transunion.
  • Equifax: Mark’s Experian score was 529, which is a fair credit rating on the Experian scale.

Signature Loan acquired in Muncy, Pennsylvania for $33000 with fair credit by Mark

Many prospective borrowers have difficulty with obtaining signature loans in Muncy, Pennsylvania, and Mark is not an exception. Mark went to 6 lending institutions or more prior to finding The Muncy Bank and Trust Company, who offered Mark a signature loan for $33000. Most signature loans simply need a client, like Mark’s signature to get them, up to $24,000 in some cases. Mark was able to get $33000 as a consolidation loan, which is very high for a consolidation loan. Since signature loans do not require a cosigner, they tend to need improved credit, as high as 763

Mark’s Transunion score was altered by the consolidation loan loan, changing to 510 from 529, which is normal in our experience.

Transunion Score: 510

Personal Loan for a pharmacy technician named Mark in Muncy, Pennsylvania to Pay Off Club CarlsonSM Rewards Visa Signature Card

Mark had a lot of credit card debt on their Bangor Savings Bank Travel Rewards American Express Card and their Cleveland Browns NFL Extra Points Visa Signature Card, and they were starting to get in over their heads. Despite Mark’s job as a pharmacy technician, they struggled to make payments on the $23,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Mark’s Overall FICO score at the time of acceptance for a consolidation loan, taking into account their pharmacy technician job and their future job as a public relations manager

Fico Score: 529

6 Months Ago, Mark Tried to Find a High Risk Loan for $39,000.00, and it was Easy

It is an existing struggle for borrowers to get high risk loans in a non-harmful manner. Many high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Mark. Mark decided not to obtain a high risk loan this time. High Risk loans are given to bad credit clients. Clients with credit scores as low as 347 can inquire for a high risk loan and possibly can be accepted.

Several previous requests for credit have been made by Mark in the past, including one from Firstbank of Marietta in Muncy, Pennsylvania before Mark was approved for the $33000 by The Muncy Bank and Trust Company

Mark made 4 previous tries to obtain a consolidation loan, 2 of which were with Firstbank of Marietta, a lending institution in Muncy, Pennsylvania known to specialize in consolidation loans specifically. Prior to finding The Muncy Bank and Trust Company, Mark was concerned due to their inexperience and fair credit score.

Contact Details for The Muncy Bank and Trust Company, the provider of this consolidation loan

  • The Muncy Bank and Trust Company
  • City: Muncy
  • State: Pennsylvania
  • Address: 2 N Main Street
  • County: Lycoming
  • Zip code: 17756

Installment loan for Mark, a graduate of Herzing University and a pharmacy technician working for over $78,000 per year

Mark, an alumnus at Herzing University and a pharmacy technician in Muncy, Pennsylvania needs a consolidation loan to purchase a house. Mark has instead decided to get an installment loan for $1,000 and is currently seeking lenders like Provident National Bank to process their request.

Debt Consolidation Can Help Any Deeply Indebted Borrower to Escape Bad Debts like Payday Loans

Average debt consolidation loans vary from $26,000.00 to $43,000.00. They are normally used to pay off existing high interest loans like credit cards. Mark needed a debt consolidation loan to pay for their existing consolidation loan and their loan shark loan. Mark was able to find a consolidation loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which transfers your less desirable, high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 4.3%.

Paraphrased and Standardized Quote from Mark for this consolidation loan of $33000, provided by The Muncy Bank and Trust Company

Hello, I am Mark and I’m from Muncy in Pennsylvania. Lycoming, county is where I grew up, and now I need a consolidation loan in Pennsylvania for $33000 to pay bills. It wasn’t easy, but The Muncy Bank and Trust Company really came through for me with this loan for 11.5% interest APR and a term of 8 years. I can probably repay the loan over the 8 year term, including interest. A big thanks to The Muncy Bank and Trust Company for trusting me and my fair credit. It look me 9 years to create my credit to 529, and I won’t harm it any more. I’m pleased with Find Texas Loans for assisting me this far.

Previous requests on Mark’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$40200.00 6 9.7% $738.67 The People’s Bank of Oxford April 21, 2009
$39750.00 6 11.1% $758.64 First Lehigh Bank March 11, 2012
$40100.00 10 11.4% $561.5 SunBank September 5, 2012
$39610.00 11 9.6% $486.99 Merchants Bank (North) August 7, 2014
$40140.00 3 10.3% $1300.87 Green Ridge Bank June 16, 2015

Mark was rejected by Wayne Bank 4 times before being granted funding by The Muncy Bank and Trust Company at 2 N Main Street

On October 1, 2011, Mark inquired about borrowing $43,000 from Orrstown Bank with Talitha, their friend from just outside Muncy, and even with the co-signer, Mark was rejected for this consolidation loan. With fair credit, it can be a challenge to obtain financing, even with collateral and a co-signer.

Fast Loans for Mark in Muncy, Pennsylvania to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Muncy, Pennsylvania aren’t actually that difficult to obtain, particularly if you have some finesse like Mark. Mark was able to find a fast loan for $33000 from Dauphin Deposit Bank and Trust Company and Mellon Bank (East) PSFS, National Association, but turned down both offers in favor of their consolidation loan from The Muncy Bank and Trust Company. The difference with a fast loan over a personal loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 5 weeks for installment loans. An improvement if a borrower is in a pinch.

Mark has a very low current gross income, but has a high number of prospects

Mark has always wanted to be a public relations manager, but would have to attend Herzing University again to become one. Mark has other possibilities as well, including preschool administrator, occupational physician, and soil engineer, which pay $50,000 through to $101,000 per year, at least. Because of this, we believe that Mark can pay for this consolidation loan of $33000.

Client Profile: Mark Cippina of Muncy, Pennsylvania
  • Full name (Changed if requested): Mark Cippina
  • Current Credit: loans.hit.utils.Fico@17f052a3
  • Current City: Muncy
  • State: Pennsylvania
  • Zip code: 17757
  • Yearly income: $38,000
  • Current Job: pharmacy technician
  • Current County: Lycoming
  • Goal Yearly Income: $117,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Before applying for this consolidation loan, Mark had an Experian score of 541, which is fair, so The Muncy Bank and Trust Company most likely cannot provide Mark a consolidation loan

Experian Score: 541

When Mark was 20, they attempted to obtain a student loan from 7 different lenders, which damaged their credit rating. Below is a list of Mark’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $31,000.00 on July 18, 2009
  • Attempt 2) Loan for $20,000.00 on May 7, 2009
  • Attempt 3) Loan for $32,000.00 on June 11, 2009
  • Attempt 4) Loan for $23,000.00 on September 17, 2013
  • Attempt 5) Loan for $22,000.00 on May 24, 2012
  • Attempt 6) Loan for $32,000.00 on March 13, 2012
  • Attempt 7) Loan for $26,000.00 on September 26, 2009

Conclusion of Mark’s consolidation loan

In the end, Mark was able to find a consolidation loan for $33000 with an interest rate of 10.5% interest APR from The Muncy Bank and Trust Company in Muncy, Pennsylvania repayable over 8 years from today.

Will Alexander

Will Alexander has over 10 years of experience as a financial expert and writer. The goal of his work is to assist the people of Texas in finding loans for lower interest rates than they thought were possible. Will specializes in bad credit loans.

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Names of borrowers and lenders have been modified, substituted, or fictionalized for search and privacy purposes. Information presented here is for entertainment purposes only and should not be interpreted as the truth.